BlastPoint's Banking Scorecard
Bank of Louisiana
Micro
Specialty: Commercial
LA
FDIC cert 17878
Designations: ✓ Community bank
New Orleans, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Louisiana has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.43% above tier
- + Non-Interest-Bearing Deposit Share 16.67% above tier
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.06% above tier
- - Delinquency Rate 3.69% above tier
- - Nonperforming Asset Ratio 2.18% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.1M
+7.9% YoY
+2.6% QoQ
|
-$115.4M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$62.0M
+27.2% YoY
+3.3% QoQ
|
-$77.2M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$89.2M
+8.5% YoY
+2.5% QoQ
|
-$94.4M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.42%
-2.9% YoY
-30.0% QoQ
|
-0.67% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
5.29%
-3.8% YoY
+1.7% QoQ
|
+1.43% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
88.78%
+0.6% YoY
+4.9% QoQ
|
+21.06% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
4.33%
-54.4% YoY
+61.9% QoQ
|
+3.69% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
69.49%
+17.3% YoY
+0.8% QoQ
|
-5.04% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
39.06%
-4.8% YoY
+4.6% QoQ
|
+16.67% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
2.63%
-46.4% YoY
+11.0% QoQ
|
+2.18% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.82%
-12.7% YoY
+2.3% QoQ
|
+8.96% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.02%
-46.6% YoY
+10.7% QoQ
|
+0.46% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.29%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.06%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.02%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.78%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.33%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.06% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.82% · Tier avg: 8.85%
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
25
25th pctile
Total Loans
Current: $62.0M · Tier avg: $139.2M
25
25th pctile
Total Deposits
Current: $89.2M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $102.1M · Tier avg: $217.5M
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.78% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 4.33% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.63% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.63% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.33% · Tier avg: 0.64%
10
10th pctile
Efficiency Ratio
Current: 88.78% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
23
23th pctile
Total Assets
Current: $102.1M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $89.2M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $62.0M · Tier avg: $139.2M
38
38th pctile
Loan-to-Deposit Ratio
Current: 69.49% · Tier avg: 74.53%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.82% · Tier avg: 8.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.06% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%